What is the State Health Insurance Law?
Under the State Health Insurance Law, effective from January 1, 1995, every Israeli resident has health insurance coverage. All Israeli residents must be registered with one of the country’s health maintenance organizations (HMOs, known also as kupot holim) and may choose which HMO to join. The HMO must provide all insured persons with a standard Health basket as specified by law.
The payment of health insurance contributions is calculated in accordance with the level of income that the insured person has from his workplace or from other sources, and in accordance with the status established for him (salaried employee, self-employed person, a person who does not work, student, etc.).
Persons who do not have any income pay minimum health insurance contributions of NIS 103 (as of Jan 01, 2014) .
Reimbursement of health insurance contributions and medical expenses
In cases where a person is retroactively recognized as an Israeli resident, from the date of his application to the National Insurance Institute, has paid privately health insurance a HMO or who has incurred medical expenses – he can be reimbursed for those expenses,under certain conditions.
In order to receive reimbursement for health insurance contributions, please apply in writing to the Health Insurance Dep, National Insurance Institute, Head Office, 13 Weizmann Blvd., Jerusalem 91909
In order to receive reimbursement for medical expenses, please apply in writing to the Committee for the Reimbursement of Medical Expenses, Ministry of Health, 29 Rivka St., Jerusalem 93461.
By law, every Israeli resident must be registered with one of the health maintenance organizations (HMOs). In order to register with an HMO, please register through one of the branches of the Israel Postal Company and fill out a special application form.
Israeli residents 18 years of age and over who are not members of one of the HMOs must register through any post office submitting their identity card. There is a fee for this registration.
Obligation to pay health insurance contributions
Under the State Health Insurance Law, all Israeli residents must pay health insurance contributions from their income, in accordance with the rate specified by law.
Persons who do not work and who do not have income from any source pay a minimum health insurance contribution: NIS 103 (as of Jan 01, 2014) .
Who is exempt from payment of health insurance contributions?
a. A prisoner or detainee who has been in a detention facility/prison for at least of 12 months
b. A new immigrant – for the first 12 months after his aliyah to Israel.
c. A person who is 18 years old but who has not yet been inducted into the army. Persons in this category are exempt from payment of health insurance contributions for 12 months, on condition that they have not postponed their induction to past the age of 21.
Children who are Israeli residents are automatically insured and are exempt from payment of health insurance contributions.
Inducted soldiers receive health services from the Israel Defense Forces and are not covered by the State Health Insurance Law; therefore, they are exempt from payment of health insurance contributions.
An insured person who wishes to switch from one sick fund (HMO) to another can do so twice in the course of the 12 months from the day on which he registered in the previous HMO.
You can swith HMOs online through the payments site.
Please note that the payments site supports only the Explorer-type browser. Beta version are not supported.
You can also fill out a transfer form at any local post office branch.
Registration with a health maintenance organization – All questions and requests for clarification should be directed to the Health Insurance Dept, National Insurance Institute, Head Office, 13 Weizmann Blvd., Jerusalem 91909.
Reception hours: Sunday-Thursday 9 A.M. to 1 P.M.
Payment of health insurance contributions and eligibility for health insurance (redemption of waiting period, Section 58 of the State Health Insurance Law) – All questions and requests for clarification should be directed to the Health Insurance Dept, National Insurance Institute, Head Office, 13 Weizmann Blvd., Jerusalem 91909.
Reception hours: Sunday, Tuesday, Thursday - 9:00 A.M to 1 P.M.
Benefits exempt from payment of health insurance contributions
Benefits subject to minimal health insurance contributions
Wage replacing benefits
Benefits from the Ministry of Defense and/or Ministry of Health